With the windchill from the open air of the road bike, the low temps I will ride in are the fifties with adequate apparel. On my motorcycles, with a lot of gear, the lowest I ride is forty degrees due to black ice that does exist at lower temps. After riding for so many decades and now sixty seven, I'd rather jump on a spin bike and get a high intensity workout comfortably than fighting cold wind temps that chill me to the core. YMMV.